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"Regional Banks: Data as Currency," outlines how data has become the critical asset for regional banks amidst competition and regulatory changes. It emphasizes that effective data strategy is crucial for survival, moving beyond the idea of data as just "oil" to data as a dynamic "currency." The report details four key areas where data drives value: enhancing customer relationships through personalization, strengthening financial stability via improved credit risk mitigation, streamlining regulatory compliance with intelligent automation, and leveraging Generative AI for operational efficiency and innovation. Ultimately, it argues that investing in robust data architecture and governance is essential for regional banks to remain competitive, profitable, and relevant in the evolving financial landscape.